AREAS OF INTEREST FOR FINTECH REGULATION
A slide showing the developments in fintech that attract regulatory interest.
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PAYSEND: HOW IT WORKS (VIDEO)
A video explaining how the Paysend money transfer service works. Paysend is a financial technology platform headquartered in the UK that enables any bank card (Visa or MasterCard) to send and receive money worldwide.
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CENTRAL BANK DIGITAL CURRENCY (CBDC) – SECURE ECOSYSTEM
A brief description of the steps that might be taken to create a retail and a wholesale central bank digital currency. This was originally a Linkedin post that was shared publicly.
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HOW FEDNOW AND FASTER PAYMENTS WILL IMPACT US FINTECH
FedNow’s promise of faster payments is not new. Aside from RTP and same-day ACH, we have seen faster payments in a number of forms: closed-loop P2P payments (Venmo, Zelle), wire transfers, stablecoins, and push-to-card. Each varies in settlement type, rail, limit, cost, push/pull capabilities, and transaction limits. This has created an ecosystem where U.S. money movement has become unnecessarily complex. In this white paper by Bessemer Venture Partners they explain that they expect to see more payment-first business models, and a new wave of fraud, and infrastructure to facilitate the patchwork of faster payments in the US.
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OPENING THE BLACK BOX OF DIGITAL WALLETS AND DEMYSTIFYING ‘BUY NOW, PAY LATER’
This article uses data froma leading Chinese provider to show that ‘buy now, pay later (BNPL)’ dominates e-wallet transactions and expands fintech credit to underserved consumers.’
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LAYING THE FOUNDATION FOR AN OPEN FINANCE FUTURE
Celent/Plaid white paper on Open Finance.
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A NEW PUSH FOR PUSH PAYMENTS
This white paper by Mastercard explains that as real-time payments increase globally, Card-based push payments (push-to-card) enable participants to send funds directly to consumers and small businesses via their payment card accounts. Receipt of funds via a payment card, typically a debit card linked to a deposit account, makes for a seamless consumer experience,
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